Search found 888 matches

by exigent
Thu Oct 26, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: HSA Questions!
Replies: 3
Views: 631

Re: HSA Questions!

In very general terms: Social Security is deducted up to a certain total earnings level (the so-called “wage base”), and Social Security benefits are based on what you’ve contributed. If you are below the wage base and you reduce your income (via, say, pre-tax HSA contributions), then you will end u...
by exigent
Thu Jan 23, 2014 10:13 am
Forum: Personal Consumer Issues
Topic: Honda Fit
Replies: 35
Views: 4607

Re: Honda Fit

So is the lesson for Fit (and other affected car) owners that they should steer into the collision rather than attempting to swerve away, which could result in a "small overlap" frontal collision? :twisted:
by exigent
Wed Jan 15, 2014 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Free Target credit monitoring
Replies: 20
Views: 2720

Re: Free Target credit monitoring

Same experience here. Signed up both my wife and me with no problems. I'm sure that at least one of us shopped at Target in the period in question, though they didn't do anything to verify it. So yeah, pretty much anyone can sign up for this. And it doesn't auto-renew after a year so that's good.
by exigent
Tue Jan 07, 2014 4:08 pm
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 43
Views: 7094

Re: spending in retirement?

I retired early, now living off taxable account. Pension kicks in at age 65 and RMDs & SS at 70 -- the taxes on these will kick my spending up quite a bit How old are you? And what tax bracket? If you're old enough to start drawing down your IRA, and if you have space in the low(er/est) bracket(s),...
by exigent
Tue Jan 07, 2014 9:50 am
Forum: Personal Consumer Issues
Topic: CFL lifespan problem
Replies: 36
Views: 2776

Re: CFL lifespan problem

I have two specific questions: 1) Does anyone have any firm information about specific brands or styles lasting significantly longer? 2) Does anyone have any experience or knowledge of using LED bulbs in bathrooms-- they are claimed to not care about cycling, but I have no information about humid c...
by exigent
Mon Jan 06, 2014 11:36 am
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 43
Views: 7094

Re: spending in retirement?

Thanks for the responses so far. Very valuable insights. Yes, I'd think that the "savings" from no longer having to save for the future (not technically spending, but a similar effect on your budget) would have a major impact on your bottom line. And taxes would be another big one once you're not t...
by exigent
Fri Jan 03, 2014 7:41 pm
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 43
Views: 7094

Re: spending in retirement?

Thanks for the responses so far. Very valuable insights. Yes, I'd think that the "savings" from no longer having to save for the future (not technically spending, but a similar effect on your budget) would have a major impact on your bottom line. And taxes would be another big one once you're not ta...
by exigent
Fri Jan 03, 2014 9:29 am
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 6976

Re: What does a Bogle TV look like?

Our main TV is a 50" Panasonic flat panel. For that room, I would've liked something in the 65" range, but we have a built-in entertainment center and we can't fit anything larger than that. In fact, the reason we went with the Panasonic is that it has a really thin bezel which allows us to squeeze ...
by exigent
Fri Jan 03, 2014 9:21 am
Forum: Investing - Theory, News & General
Topic: spending in retirement?
Replies: 43
Views: 7094

spending in retirement?

I ran across the following article on retirement spending this morning via a link from Mike Piper's excellent blog: http://www.financialramblings.com/archives/spending-levels-in-retirement/ In it, the author summarizes BLS data suggesting that spending decreases rather substantially in retirement. N...
by exigent
Fri Dec 13, 2013 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Free TurboTax up on Vanguard site
Replies: 11
Views: 1989

Re: Free TurboTax up on Vanguard site

Financial Ramblings has a post on the Turbo Tax switcheroo. It's a sneaky price increase and may catch a lot of their customers unawares. TurboTax Changes: Which Version Do I Need? This is ludicrous. As I said in the other thread on the recent TurboTax changes, this is like ice cream makers re-defi...
by exigent
Fri Dec 13, 2013 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 44872

Re: 2013 TurboTax: Which Product? New Rules?

This was mentioned in another recent thread, but Financial Ramblings has a recent article on this:

Turbo Tax Changes

In short, this change is essentially a hidden price increase. Kind of like a half gallon of ice cream now being 48 oz instead of the full 64 oz...
by exigent
Sat May 04, 2013 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: 39 y.o. and 18 years of Vanguarding
Replies: 45
Views: 10123

Re: 39 y.o. and 18 years of Vanguarding

"Live below your means and invest the difference in plain jane, low cost funds."

You should make bumper stickers and/or t-shirts with that line. Or at least put it in your forum signature. ;-)

P.S. Won't be long before you hit Flagship. :-)
by exigent
Sat May 04, 2013 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: 39 y.o. and 18 years of Vanguarding
Replies: 45
Views: 10123

Re: 39 y.o. and 18 years of Vanguarding

"Live below your means and invest the difference in plain jane, low cost funds."

You should make bumper stickers and/or t-shirts with that line. Or at least put it in your forum signature. ;-)

P.S. Won't be long before you hit Flagship. :-)
by exigent
Sat May 04, 2013 8:37 pm
Forum: Personal Investments
Topic: 1.5% Financial Advisor... or index fund?
Replies: 81
Views: 8820

Re: 1.5% Financial Advisor... or index fund?

I'm with KyleAAA. There's simply no way an advisor will be able to overcome that sort of drag without taking outsized risks.

And yeah, that bit about no-load and load-waived? They're selling you a bill of goods.
by exigent
Wed Apr 24, 2013 9:15 am
Forum: Personal Finance (Not Investing)
Topic: [stopping] Telemarketers
Replies: 29
Views: 2282

Re: [stopping] Telemarketers

Our cordless phone (Panasonic, not sure which model) lets you block numbers. This requires caller ID service but it's a handy feature since repeat offenders often show up as the same # whenever they call. If you can customize the ringer, another possibility would be to use a silent "tone" for number...
by exigent
Tue Apr 23, 2013 8:18 am
Forum: Personal Consumer Issues
Topic: Laundry Detergent Issues
Replies: 71
Views: 9766

Re: Laundry Detergent Issues

I was going to suggest that it might be residual bleach from another resident but the fact that you reduced the amount of detergent that you were using and it solved the problem suggests that it was the detergent itself -- unless that change just happened to coincide with the bleach user moving out....
by exigent
Sun Apr 21, 2013 7:05 pm
Forum: Personal Investments
Topic: When is it worthwhile to Tax Loss Harvest?
Replies: 9
Views: 1584

Re: When is it worthwhile to Tax Loss Harvest?

This may have been covered in the other thread, but the real value to me in TLH is the ability to offset ordinary income with your capital losses. You can only do this on a limited basis ($3k/year) but, especially if you're in a high bracket, the savings are pretty nice.
by exigent
Sat Apr 20, 2013 9:09 pm
Forum: Personal Investments
Topic: Tempted to Use Roth IRA for House Down-Payment
Replies: 16
Views: 6521

Re: Tempted to Use Roth IRA for House Down-Payment

Speaking from experience... We did this when we bought our first house. While doing so made it possible for us to buy the house, I do regret that we can't ever put that money back in. The withdrawal is a one-way street.
by exigent
Wed Apr 17, 2013 10:02 pm
Forum: Personal Investments
Topic: Anyone with Fidelity BrokerageLink Experience?
Replies: 31
Views: 38174

Re: Anyone with Fidelity BrokerageLink Experience?

Since this article got dredged up from the distant past (again!) I thought I'd share this link to this article that I ran across today:

Investing with Fidelity's BrokerageLink

It provides a pretty good (recent) overview of the BrokerageLink service.
by exigent
Mon Dec 24, 2012 11:35 pm
Forum: Personal Consumer Issues
Topic: Recomendations on lowboy water heaters?
Replies: 9
Views: 5385

Re: Recomendations on lowboy water heaters?

We have a 50 gallon lowboy in our crawl. Works fine. Capacity is lower than I'd like for a family of six, but it does the job. The "builder-special" heater died a few years ago (after 7-8 years of life). We replaced it with one from Sears.
by exigent
Tue Sep 04, 2012 11:56 am
Forum: Forum Issues and Administration
Topic: hijacker (PWM) - READ THIS
Replies: 130
Views: 13571

Re: hijacker (PWM) - READ THIS

I'm also in favor of a one-time global reset of all BH passwords combined with basic at-least-one-of-these-and-one-of-those requirements on new ones. You need to read up on entropy, "one-of-these-and-one-of-those" is a canard. "Password1!" is not much more secure than "password". But when combined ...
by exigent
Wed Jul 11, 2012 9:38 am
Forum: Personal Consumer Issues
Topic: Best Twenty Dollar Bourbon
Replies: 39
Views: 4637

Re: Best Twenty Dollar Bourbon

hidesert wrote:For many years I have purchased a fifth of the same brand of Kentucky Bourbon every payday.
What brand were you buying?
by exigent
Wed Jul 11, 2012 9:37 am
Forum: Personal Consumer Issues
Topic: Best Twenty Dollar Bourbon
Replies: 39
Views: 4637

Re: Best Twenty Dollar Bourbon

A fifth of Bourbon every payday? Let's hope you're only paid once per month! :D You might want to save that money for a future liver transplant. :shock: :beer Ummm, a fifth is 750 ml, which is just over 25 ounces. That works out to barely over a jigger (1.5 oz "shot") per day if he drinks a fifth e...
by exigent
Wed Jun 27, 2012 6:48 pm
Forum: Investing - Theory, News & General
Topic: Bogelhead-approved way of taking on more risk?
Replies: 23
Views: 3903

Re: Bogelhead-approved way of taking on more risk?

Higher expected returns don't necessarily equate to higher actual returns. If you can't afford retirement right now, how will you feel when your portfolio is torn to shreds due to your having taken excessive risk? All that said, if you want to increase risk, you can simply increase your stock alloca...
by exigent
Tue Jun 19, 2012 10:47 am
Forum: Personal Investments
Topic: Any fix for botched inherited non-spousal IRA?
Replies: 54
Views: 15091

Re: Any fix for botched inherited non-spousal IRA?

Wow. I'm no expert, but this sounds like malpractice on the part of the attorney that was advising you. Best of luck, and please keep updating as things develop.
by exigent
Tue Jun 19, 2012 10:32 am
Forum: Personal Investments
Topic: Vanguard or Fidelity..does it matter ?
Replies: 64
Views: 10561

Re: Vanguard or Fidelity..does it matter ?

I'm in the middle of an expensive mess with Vanguard; (the subject of another post on this forum) the cost to me makes any minor savings of commissions and fees irrelevant. When the company gives you bad information which ends up having dire tax consequences, any and all of the small cost savings y...
by exigent
Tue Jun 19, 2012 10:06 am
Forum: Personal Finance (Not Investing)
Topic: NDA Question
Replies: 14
Views: 1279

Re: NDA Question

You should seek the advice of a qualified attorney. I know that probably isn't what you want to hear, but it's true. Also, is this an NDA (non-disclosure agreement) or a non-compete agreement? Or both? You stated NDA (and said it was included below, but it's not) but then went on to describe what so...
by exigent
Fri Jun 15, 2012 12:08 pm
Forum: Forum Issues and Administration
Topic: REPORTING VIOLATIONS AND UNWELCOME PMs
Replies: 46
Views: 40462

Re: REPORTING VIOLATIONS AND UNWELCOME PMs

I feel left out. I've never received a PM, unwanted or otherwise, from said troll.
by exigent
Thu Jun 14, 2012 2:02 pm
Forum: Personal Consumer Issues
Topic: Noise on DSL Telephone Line
Replies: 24
Views: 2922

Re: Noise on DSL Telephone Line

No problems here. DSL filters would've been my first suggestion, but you addressed that. Any chance that one of them is damaged/non-functional?
by exigent
Wed Jun 13, 2012 10:04 pm
Forum: Personal Consumer Issues
Topic: Tell me about I-Pad 3
Replies: 16
Views: 2345

Re: Tell me about I-Pad 3

FedGuy wrote:
exigent wrote:For starters, it's a lower case "i" and no hyphen. ;-)
Actually, for starters, it's (very annoyingly) called "the new iPad," not "the iPad 3."
Yeah, I decided that I was being annoying enough without going <i>there</i>. ;-)
by exigent
Wed Jun 13, 2012 5:11 pm
Forum: Personal Consumer Issues
Topic: Tell me about I-Pad 3
Replies: 16
Views: 2345

Re: Tell me about I-Pad 3

For starters, it's a lower case "i" and no hyphen. ;-) Yes, iOS supports printing to select printers: http://www.apple.com/support/ipad/assistant/airprint/ Or you can buy an app to (supposedly) print to any printer. For example: http://itunes.apple.com/us/app/print-print-to-all-printers/id299423224?...
by exigent
Mon Jun 11, 2012 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone succeed with an ING image upload deposit?
Replies: 28
Views: 3762

Re: Anyone succeed with an ING image upload deposit?

Just tried my first hand-written check using the iPhone app and that worked, too. Even with relatively messy writing.
by exigent
Thu Jun 07, 2012 12:45 pm
Forum: Personal Investments
Topic: upset with vanguard- "free riding" question
Replies: 41
Views: 13756

Re: Re:

P.P.S. Are there still any old fashioned brokerages that don't require you to have cash in the brokerage before you can buy? VBS doesn't require it, do they? Can't you buy from a linked account? Or is that just for mutual funds? Not sure b/c I don't trade stocks and the only ETFs I own are due to s...
by exigent
Wed Jun 06, 2012 1:33 pm
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: Is TLH a form of market timing?

And I would believe that one of the "facts and circumstances of your particular case" is the intended holding period. How would the IRS know that? It might be 30 days. It might be 30 years. Brian If you switch back in 30 days, I think that would be pretty good evidence that your intended holding pe...
by exigent
Wed Jun 06, 2012 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Anyone succeed with an ING image upload deposit?
Replies: 28
Views: 3762

Re: Anyone succeed with an ING image upload deposit?

I've done 8-10 checks with no issues using the iPhone app. Never tried using a scanner.
by exigent
Wed Jun 06, 2012 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 117834

Re: Anyone regret paying off mortgage early?

Default User BR wrote:As noted elsewhere, I just paid off mine. However, it's a strategic payoff, as I will follow it with a Penfed 60-month home-equity loan here shortly.
For what purpose?
by exigent
Wed Jun 06, 2012 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 117834

Re: Anyone regret paying off mortgage early?

We paid off our mortgage around 2.5 years ago (I think, I lose track). Haven't regretted it once. I debated the virtues of keeping the mortgage as an inflation hedge, etc. but ultimately decided to keep it simple and just pay it off.
by exigent
Wed Jun 06, 2012 9:27 am
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: Is TLH a form of market timing?

IMHO, it would be safer to sell the TR fund and buy the component funds in the same proportions than it would be to switch to anothe TR fund with the same composition. I doubt either would trigger an alarm bell at the IRS on the surface, but if you get audited it seems like the TR to TR switch woul...
by exigent
Wed Jun 06, 2012 7:46 am
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: Is TLH a form of market timing?

IMHO, it would be safer to sell the TR fund and buy the component funds in the same proportions than it would be to switch to anothe TR fund with the same composition. I doubt either would trigger an alarm bell at the IRS on the surface, but if you get audited it seems like the TR to TR switch would...
by exigent
Tue Jun 05, 2012 10:58 pm
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: Is TLH a form of market timing?

These Target Retirement funds won't be substantially identical down the line because they have different glide paths. But right now? Almost exactly the same. In other words, substantially identical (at least in my book).
by exigent
Tue Jun 05, 2012 4:29 pm
Forum: Personal Investments
Topic: Switching money in Vanguard
Replies: 21
Views: 1742

Re: Switching money in Vanguard

Yeah, I would guess that something got messed up on the back end such that their database is a cost basis declaration for this fund even though it's not required/allowed. And you can't get rid of it since the functionality to manage cost basis declarations on money market funds (understandably) does...
by exigent
Tue Jun 05, 2012 3:08 pm
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: Is TLH a form of market timing?

This is the history of the S&P 500 Index from January 1950 to April 2011: January up February down March up April up May up June down July up August up September down October up November up December up Best wishes. Taylor Interesting list, though I was more interested in the overall percentage of i...
by exigent
Tue Jun 05, 2012 2:39 pm
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: Misleading statistic ?

Exigent: And the statistics that you provided (#1) in support of this notion are misleading. You are right about that. I should have made clear that the market has an average upward bias (about 0.6% for 30 days). Best wishes Taylor Thanks for the reply. Any idea what percentage of months are up vs....
by exigent
Tue Jun 05, 2012 2:34 pm
Forum: Personal Investments
Topic: Switching money in Vanguard
Replies: 21
Views: 1742

Re: Switching money ini vanguard

Go into your account view. Click on the money market fund name in the list of holdings. Scroll to Account Options at the bottom. Do you see anything related to cost basis? If not, you'll probably need them to fix it for you.
by exigent
Tue Jun 05, 2012 2:31 pm
Forum: Personal Investments
Topic: Switching money in Vanguard
Replies: 21
Views: 1742

Re: Switching money ini vanguard

There is a difference between "making a contribution" to an IRA and "buying shares" in an IRA. First, make the contribution. Then buy the shares. IIRC, I can just exchange from Prime Money Market in our taxable account straight into an index fund in my IRA. However, it's possible that I'm mistaken....
by exigent
Tue Jun 05, 2012 2:26 pm
Forum: Personal Investments
Topic: Vanguard or Fidelity..does it matter ?
Replies: 64
Views: 10561

Re: Vanguard or Fidelity..does it matter ?

After years of being exclusively at Vanguard, I have just opened an account at Fidelity to get the 50,000 frequent flyer miles on offer. So far the offerings on the site seem a bit more robust, but nothing that I cannot get elsewhere. I am buying a Spartan Advantage bond fund, ER is the same as at ...
by exigent
Tue Jun 05, 2012 2:25 pm
Forum: Personal Investments
Topic: Switching money in Vanguard
Replies: 21
Views: 1742

Re: Switching money ini vanguard

Yeah I don't know what I'm saying either, that's just the error that I get. I'm trying to buy a new fund in the ira and it just gives me an error that I have to sell in dollars, which it is, and that my cost basis can't be listed as "specific ID" but I don't even know how to check that. This was th...
by exigent
Tue Jun 05, 2012 2:12 pm
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: "Sitting on the sidelines" ?

Exigent: You wrote: You're advocating sitting on the sidelines during the wash sale period to avoid a potential loss? Perhaps I was not clear when I wrote and underlined : It's purpose is to make TLH simple. Best wishes. Taylor Yes, but then you went on to provide a list of other supposed advantage...
by exigent
Tue Jun 05, 2012 1:48 pm
Forum: Personal Investments
Topic: Switching money in Vanguard
Replies: 21
Views: 1742

Re: Switching money ini vanguard

I would suggest calling Vanguard and asking. You'll get a quicker and more accurate answer.
by exigent
Tue Jun 05, 2012 1:45 pm
Forum: Investing - Theory, News & General
Topic: Is TLH a form of market timing?
Replies: 56
Views: 3508

Re: Is TLH a form of market timing?

So, Are we saying that Total International https://personal.vanguard.com/us/funds/snapshot?FundId=0569&FundIntExt=INT#hist=tab%3A2 is NOT substantially identical from FTSE All World https://personal.vanguard.com/us/funds/snapshot?FundId=0570&FundIntExt=INT#hist=tab%3A2 Because I want to make that m...